| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | — | $15K | $15K | 0.53% |
| ICUL SERVICES CORPORATION3 | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | DELTA DENTAL OF INDIANA | $106K | — | $106K | 5.98% |
| ICUL SERVICES CORPORATION3 | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $60K | — | $60K | 5.95% |
| ICUL SERVICES CORPORATION3 Filed as: ICUL SERVICES CORP | 8415 ALLISON POINTE BLVD SUITE 515 INDIANAPOLIS, IN 46250 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $87K | $0 | $87K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC | 101 S. GARLAND AVE, STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $23K | $23K | 5.40% |
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $17K | $17K | 4.00% |
| LHD BENEFIT ADVISORS3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $8K | $0 | $8K | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Other services Service code 12 | — | $2.3M |
| ICUL SERVICES CORPORATION EIN 35-6065923 PLAN MANAGER | Consulting (general); Participant communication; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan Service code 10 | — | $912K |
| CVS HEALTH EIN 05-0340626 PHARMACY BENEFIT MANAGER | Claims processing; Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $478K |
| LHD BENEFIT ADVISORS EIN 35-2150902 ADVISOR | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Account maintenance fees; Recordkeeping fees Service code 15 | — | $431K |
| INDIANA CREDIT UNION LEAGUE EIN 35-0408785 ADVOCACY | Consulting (general); Direct payment from the plan Service code 16 | — | $66K |
| BOSE, MCKINNEY, & EVANS, LLP EIN 35-0957980 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $61K |
| CURALINC, LLN EIN 33-1206383 EAP | Other services; Direct payment from the plan Service code 49 | — | $54K |
| KENTUCKY CREDIT UNION LEAGUE EIN 61-0391408 ADVOCACY | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $21K |
| BRADY, WARE AND SCHOENFELD EIN 35-1476702 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| STIFEL, NICOLAUS & COMPANY, INC. EIN 43-0538770 INVESTMENT MANAGER | Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $16K |
| MARKSNELSON ADVISORY LLC EIN 92-1368147 EXAMINER | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| THE HOWARD E NYHART COMPANY, INC EIN 35-0966414 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 5,265 | $1.8M |
| Vision | VISION SERVICE PLAN | 3,392 | $1.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,666 | $2.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 909 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,265 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.